JOB PURPOSE

The Manager – Transaction Monitoring is responsible for assessing and strengthening the effectiveness of the Bank’s risk-based AML/CFT/CPF transaction monitoring coverage, detection scenarios and alert handling standards.

The role analyses monitoring performance, coordinates scenario tuning and validation, reviews data completeness, oversees alert investigation quality and supports timely escalation of suspicious activity to the MLRO

KEY RESPONSIBILITIES

• Assess risk-based monitoring coverage across customer segments, channels, products and geographies.
• Maintain the scenario inventory and analyse alerts, false positives and investigation outcomes.
• Coordinate scenario tuning, testing and validation activities.
• Monitor investigation quality, SLA adherence, ageing, overdue cases and backlogs, and challenge First Line deficiencies.
• Provide technical support on complex cases and ensure timely internal escalation to the MLRO.
• Review completeness of data feeds, reconciliations, interface exceptions and system changes, and support UAT and migration.
• Prepare MI on detection effectiveness, scenario changes, alert trends and remediation.
• Supervise specialists and promote consistent technical standards.

KEY ACCOUNTABILITIES

• Maintain a coverage assessment mapping scenarios to products, channels, customer segments, geographies and typologies.
• Maintain an accurate scenario inventory, including scenario logic, parameters, owners and change history.
• Perform alert productivity analysis, including false positive rates and alert-to-case and case-to-STR conversion.
• Coordinate below-the-line and above-the-line testing, threshold tuning and periodic scenario validation with supporting documentation.
• Perform quality assurance reviews of alert investigations and report quality themes.
• Monitor SLA adherence, alert ageing and backlogs and escalate material deficiencies.
• Provide technical guidance on complex cases and ensure suspicious activity is escalated to the MLRO without delay.
• Maintain confidentiality of suspicious activity information and protect against tipping off.
• Review data feed completeness, reconciliations and interface exceptions and track resolution with Technology and Data teams.
• Support UAT, parallel runs and migration activities for monitoring system changes.
• Prepare monitoring MI, dashboards and committee inputs on detection effectiveness and remediation progress.
• Support regulatory inspections, audits and independent reviews of transaction monitoring.
• Supervise and coach specialists and maintain quality standards for team outputs.

Qualifications

CORE COMPETENCIES AND SKILLS

• Strong knowledge of AML/CFT/CPF laws, CBK Prudential Guidelines and FATF Standards.
• Expertise in transaction monitoring systems, detection scenarios, tuning and alert management.
• Strong understanding of financial crime typologies across mobile, agency, cash, trade and cross-border channels.
• Strong data analysis capability; working knowledge of SQL or similar tools will be an added advantage.
• Strong analytical and investigative capabilities.
• Clear MI preparation and report writing skills.
• Effective stakeholder engagement and constructive challenge capability.
• Supervisory, coaching and team development skills.
• High integrity, discretion, independence and sound judgement.

EXPERIENCE

• Minimum 7 years’ experience in AML/CFT/CPF, Transaction Monitoring, Financial Crime Investigations, Risk or Internal Audit within the financial services sector.
• At least 3 years’ experience in a supervisory or senior specialist role.
• Demonstrated experience in scenario tuning, alert quality assurance and monitoring MI.
• Experience supporting monitoring system implementation, UAT or data remediation.
• Prior experience in a Tier 1 bank and familiarity with CBK and FRC supervisory expectations will be an added advantage.

ACADEMIC AND PROFESSIONAL QUALIFICATIONS

• Bachelor’s degree in finance, Banking, Commerce, Accounting, Economics, Information Systems, Data Science or a related field.
• Master’s degree in a relevant discipline will be an added advantage.
• Professional certifications such as CAMS, ICA Diploma in AML, CFE, CPA(K) or equivalent financial crime qualifications.
• Demonstrated commitment to continuous professional development in AML/CFT/CPF and financial crime analytics.

• Assess risk-based monitoring coverage across customer segments, channels, products and geographies.
• Maintain the scenario inventory and analyse alerts, false positives and investigation outcomes.
• Coordinate scenario tuning, testing and validation activities.
• Monitor investigation quality, SLA adherence, ageing, overdue cases and backlogs, and challenge First Line deficiencies.
• Provide technical support on complex cases and ensure timely internal escalation to the MLRO.
• Review completeness of data feeds, reconciliations, interface exceptions and system changes, and support UAT and migration.
• Prepare MI on detection effectiveness, scenario changes, alert trends and remediation.
• Supervise specialists and promote consistent technical standards.
• Maintain a coverage assessment mapping scenarios to products, channels, customer segments, geographies and typologies.
• Maintain an accurate scenario inventory, including scenario logic, parameters, owners and change history.
• Perform alert productivity analysis, including false positive rates and alert-to-case and case-to-STR conversion.
• Coordinate below-the-line and above-the-line testing, threshold tuning and periodic scenario validation with supporting documentation.
• Perform quality assurance reviews of alert investigations and report quality themes.
• Monitor SLA adherence, alert ageing and backlogs and escalate material deficiencies.
• Provide technical guidance on complex cases and ensure suspicious activity is escalated to the MLRO without delay.
• Maintain confidentiality of suspicious activity information and protect against tipping off.
• Review data feed completeness, reconciliations and interface exceptions and track resolution with Technology and Data teams.
• Support UAT, parallel runs and migration activities for monitoring system changes.
• Prepare monitoring MI, dashboards and committee inputs on detection effectiveness and remediation progress.
• Support regulatory inspections, audits and independent reviews of transaction monitoring.
• Supervise and coach specialists and maintain quality standards for team outputs.

• Strong knowledge of AML/CFT/CPF laws, CBK Prudential Guidelines and FATF Standards.
• Expertise in transaction monitoring systems, detection scenarios, tuning and alert management.
• Strong understanding of financial crime typologies across mobile, agency, cash, trade and cross-border channels.
• Strong data analysis capability; working knowledge of SQL or similar tools will be an added advantage.
• Strong analytical and investigative capabilities.
• Clear MI preparation and report writing skills.
• Effective stakeholder engagement and constructive challenge capability.
• Supervisory, coaching and team development skills.
• High integrity, discretion, independence and sound judgement.

• Bachelor’s degree in finance, Banking, Commerce, Accounting, Economics, Information Systems, Data Science or a related field.
• Master’s degree in a relevant discipline will be an added advantage.
• Professional certifications such as CAMS, ICA Diploma in AML, CFE, CPA(K) or equivalent financial crime qualifications.
• Demonstrated commitment to continuous professional development in AML/CFT/CPF and financial crime analytics.